No F*cking Way | Financial Audit

Why are you acting like an insufferable. c? Oh my. Within the last year, she has. affirmed $700. of lab boooos. What a joke. You should. be embarrassed. I'm embarrassed for even. having that happen on my own show. Quicksilver card. >> That one. may have been for a purchase. [Music]. >> Sign up for the new and improved. Dollarise budgeting app. Take the free. trial and if you like it, sign up for. the annual version to save a ton of. money and get my budget friendly.

cookbook signed by me and mailed. directly to you. And for a limited time. only, if you want to bundle all of my. educational programs together with the. budget app, join dollar wise central and. save 80%. Take the trial and learn more. at dollarwise.com. >> Hi, my name is Farah. I'm 27 years old. from Sorry. >> Hi, my name is. >> Are we choking? Yeah, >> I'd be choking if I spent 16% of my. money on fast food as well. >> Where are you from? >> New Orleans, Louisiana.

>> And this is Financial Audit. >> Just want to make sure you're alive so. you can make it through this. It was a. little And I'm from. >> So, okay. >> You're good. >> What do you do in Louisiana for a. living? >> I am a patient access rep at a pediatric. specialty office. Okay, sure. What does. that make? What do you make? >> Um $15.95 an hour. >> Now, Louis New Orleans, not one of the. more expensive cities. Declining.

population has been since a very long. time. Katrina definitely pushed it over. the edge. >> Yeah. >> Okay. So, I don't know how 15 stretches. there. I'll be completely honest. In a. lower income city, lower cost of living. city. How you living? How many Wait, before you answer that, how many hours a. week are you working? >> 40. >> Okay. What hits your account on a. monthly or bi-weekly, whatever your. thing is? >> Around 1,900. >> Okay. How you doing? 1900 in Louisiana. >> Not not good. >> No. >> No.

>> I'm going to need a little more than. that on a podcast. >> Um, it's not enough to survive. >> Why don't you go get a different job? >> I like what I do and I like the company. I work for. >> But you can't survive. What comes first? Survival or liking the company we work. for? Preferably, we can match both. together, but when one is not happening, the one we're choosing to happen over. the other is survival.

>> I feel like I should enjoy my job. >> Sure, I agree. I would like you to. should entitled to. I wouldn't say so. You prefer that over working? >> No. There there was an opportunity for. me to get like a leadership position but. >> which would have come with what pay. >> that wasn't disclosed. >> And what was the opportunity of which it. did not take hold? >> Um why? >> So I would have basically been like the. leader of all of the patient access.

reps. So over about maybe six or seven. people. Um and they ended up going with. someone else. >> Okay. Okay. So, you did not have an. opportunity. There was an opportunity that you tried, but it was not yours. I mean, sorry. >> My manager made it seem like it was in. the bag for me. >> Well, instead, now you got to put the. fries in the bag cuz it didn't work out. I'm sorry. That is the reality. Listen, I would love you to get a promotion.

That'd be great. Okay. I'm glad I got I I'm glad you like. your job. Let's pretend there are two. pillars here. >> I'm not doing that bad. It just looks. bad on paper. You just said you're. struggling to survive. I'd say that's. bad in paper and in person. >> I feel like I've gotten a little bit. better lately. >> Okay, that's what everyone. Oh, >> it's the truth. >> That's what everyone says on this show. >> Okay, >> if that's the truth, then. >> I feel like most of those are just.

payments and interest. >> Okay, we giggle at everything. Every sentence. we say. >> Yeah, >> we giggle at. Yep. >> Okay. Let's pretend there's two pillars. >> in the job world. Okay. >> It's New Orleans, so it's safe. Okay. >> New Orleans, so it's not safe. >> Well, for these two, this is enjoying. our job. This is survival. I would like. them both to exist, but if we got to. crash into one of them and bring it.

down, it's the enjoyment cuz survival is more. important. I prefer both. But you have to choose. survival. >> Why do I have to, though? >> Cuz if you're not surviving, then you. don't show up to the job at some point. Then you don't have a place to live. You. don't have food to eat. What do you. mean? Why would I have to ch. >> How? Explain that logic to me. >> I mean, I enjoy my job and I'm the best. at my job. I'm not getting fired anytime. soon, >> which is why you got promoted.

They my manager told me she felt like. because I was already like like I. already knew all of the other patient. access people that it would be um. difficult for me to like suddenly become. a manager over them. >> That's some cope. >> What? >> That is cope. If you were the best for. the job, you would have gotten the job. >> I mean I feel that way too but. >> yeah. So maybe you appreciate the. company but they don't appreciate you. meaning, oh, we look for a different job.

is where that goes traditionally. I. >> actually did leave this job for like 3. months and then went back. >> What were you doing in that 3 months? >> I was a case coordinator for a pediatric. home health company. >> What did you make? >> 1650 an hour. >> Okay. A little bump. >> Yeah. >> Percentage wise, decent, but. >> insurance was way better. >> That's good. >> I didn't enjoy it though, so I left and. went back. Were you able to make more of. a survival during that? >> My living situation was different at the.

time. So, yes. >> Okay. Why not put your living situation. back to that then? Obviously, that's not. the situation that. >> I don't want to be in that situation. again. >> Okay. Well, it's all I want with you. I. just want to pick. >> I haven't giggled in like 5 minutes. Don't make that face. >> Uh, we've been filming for six. >> Can you even see? >> You look better. >> Let me take mine off, too, then. So why in your entire life everything. we're doing here is you just choosing.

what's a little more pleasant cuz what. ends up again if it's the we're not able. to live pillar that doesn't exist. Life. will not be pleasant across the board. You might enjoy the job you go to, but. if you get evicted, if you lose a. housing situation, if you're in high. interest debt forever, you can't make. your pen payments, your credit. absolutely, you need to borrow for. whatever reason with a car or whatever, at some point you're not able to qualify. for anything other than predatory. Maybe. you take out payday loans. Maybe you. start getting a cash advance cycle of. death. That's not a good life. I would say that.

would then outweigh not having the job. we absolutely love. Now, again, I am not. saying I don't want you want you to be. in a job you love. I am not saying that. I want both to be there. But you have to. choose survival over that. >> My is. >> or or if you're working 40 hours a week. and you want to continue that, that's. fine. You got to go work a second job. >> My issue isn't my income. I just like to. spend money on things that I don't need. >> Okay. Well, then um the solution would. be uh I want to I want to make sure. I. want to confirm.

>> Oh, yeah. It's don't do that, you dumb. >> That's why I'm here. So, I'm able to just make you not spend. money. I'm able to make you not spend. 20% of your spending, which is spending. more than you bring in on fast food. I'm. able to do that for you. You. >> I go there. I hold your hand. I ride. theing streets of New Orleans on my. tubas and whatnot. And I'm making you. not spend money. I'm there. >> I feel like you yelling at me is going.

to ingrain it in my head. >> Listen, whatever kinks you have is fine. I'm not judging, but I am not able to be. the shift. I'm able to tell you what's a. good way to do it. But if you already. recognize what the problem is, yet you. are not out there doing the fix that is. necessary. What the can I do? >> It's hard. >> It's hard. >> I want good guys. It's hard. It's hard. >> I want things. I wanted a laboo. >> Okay, great. >> Do you want to see it? >> Nope. Don't give a All right, here comes.

a non-consentual laboo. Look at it. >> Great. You got the most boring one. It's. gray. >> At least it's better than this one. sitting. >> I'm like, what do you say [ __ ] me for? Let's put it away. Let's put it away. Cuz I don't care about this. That's not. even a W boooo. That's That's nothing. No one knows what that is. >> It's pip. >> All right. She's a child. That's great. I'm glad we're establishing this. >> Wonderful. And that vibes with your. attitude of, "Oh, I'm picking my job I. like over being able to survive. Oh, I.

want things and I'm not able to cut it. back and I need you to hold my hand.". Yeah. You're never going to do anything, are you? You're never going to be. successful, are you? >> You're just a child. Like, what the even. was that littleing stunt you just did? What a joke. >> I. >> It's embarrassing. You should be. embarrassed. I'm embarrassed for even. having that happen on my own show. >> I'm embarrassed every day. >> You should be. >> I am. >> good. >> Great. >> Whenever I'm embarrassed, I usually. change the thing that is embarrassing. me.

Why are you incapable of change or. anything or any progress or maturity? >> Because I'm a child, like you said. >> I mean, what the even is that answer? Obviously, that is what I'm saying. you're acting like, but you're just. going to sit there and say you're a. child. What can I do then? Like, okay, then go lay in your crib. The. conversation's done. >> Are you going to give me a pacifier? >> The are you doing? >> I'm just here. >> For what reason? I do want help to try. to. figure out my finances.

>> Why are you acting like an insufferable. c? >> Yeah, Google that away. Cope that, Google. Go for it. Like, what the are we. doing, dude? You're acting like a. >> That's not my intention. >> What? What is your intention then right. now? >> I genuinely want your help. >> What does that help look like to you? >> I budget. Like I. >> You budget. >> I do. >> Great. Tell me how much you spent last. month.

>> More than I made. >> Like. >> tell me how much you spent that last. month. You budgeting professional queen. >> Like 2400. >> 28. So you don't even know that. And you. bring in 19. >> It was close. >> kind of percentage wise. Not really, but. okay. >> It was around that ballpark. >> Sure. I guess. And listen, the median. average hourly wage in New Orleans is. 28. substantially under that. You're. you're in you're in the beyond lower. category of paid and you're like, "Oh,

because I enjoy my job." That's okay. There's other jobs you enjoy that you. might get paid more that you might have. to stick out a job you don't like for a. bit to gather experience or move up in a. company. You think there's only one job. that's enjoyable in this world? >> No, but I would like to see what. opportunities I do have in this company. >> Oh, you bought a budgeting chart from. Etsy. Okay. So that's your. >> Yeah. >> Okay. Sorry. What were you saying? >> I want to see how I can grow in the. company that I'm with right now. >> Okay. That company denied you growth.

>> in that area. There's other areas of the company. >> Then why haven't you done it? >> Because I need help from my management. >> Okay. You need help from everyone except. for yourself apparently because you. can't do anything on your own. It sounds. like you need help from me for your. finances. You need help from management. to promote you. Like what the You can't. do anything. Huh? >> I can't promote myself. >> You can't promote yourself, but you can. put yourself in a position where you. would have won the promotion. You. didn't. You were not chosen even though.

your manager said you were a shoe in. again. Yes, the manager makes the. promotion. Yes, I make the budget. Call. out the [ __ ] You have to do with. the action that is stopping your bull. spending, actually budgeting, getting. the education you need via what we. provide, but actually taking it, implementing it, improving your life. Yes. The manager opens a promotion. It. is up to you to then go get it. >> I did. I had an interview. >> You don't understand what I'm saying.

>> It's up to you to practice your. interview skills to update your skills. to make sure you are the winner. Why'. the other person win over you? >> Because they were from a different. company and had more experience. They. had management experience. >> There you go. And you didn't. So, you. needed that. >> I'm trying to get the management. experience. >> Yeah. But you might have to leave to. another company you don't like in order. to get management experience in order to. accumulate the skills in a resume. necessary to get the job you want. >> Maybe. >> Maybe. No, you're just sitting in a job. because you find it comfy. But you're not surviving. You're.

spending more than you make. The. categories are complete. >> It's not that bad. >> How is it not that bad? Please. >> I'm not I'm not on the streets. >> yet. What's your rent? Huh? >> 750. >> Okay. 750 sounds like lovely rent, right? What? She brings in 1,900. So, let's see. >> I don't live by myself. I live with my. >> But your rent is 750. >> So, I live with my boyfriend and his. roommate. They take care of the rent. I. help out with groceries, utilities. >> Wow. Okay. So, even without rent, you're.

spending more than you make. A winner, promoter. I just don't get it. Listen, and with someone like you, let's. see. Yeah, the unknown shopping is crazy. This is And that could be things like. Amazon, Walmart, or Pull up your Amazon. right now. I want to see what's in your. cart. Is there in your cart? Let's see. >> What's your saved emergency fund. currently? >> Zero. >> Okay. So, you can't even cover an 11 a. 1,000 hour emergency. If it wasn't for.

your boyfriend, maybe you would be on. the streets cuz how the would you cover. something when it pops up? She has 34. things in her cart. She has 34 things in. her Amazon cart. She has some. sunglasses. Crochet kit thing. Hanging. cute crochet car. [ __ ] Sh. Funny. Can't read her. You cat license plate. Oh, we know who she is. Off we go. Compatible Nissan key fob. Nissan key. fob. Cat nip toys. Cat collars. Cat.

pillows. Cat new possibly. >> No, you shouldn't. Don't. Do not. That is irresponsible and. disgusting and selfish of you. You. cannot financially take care of a. kitten. Kitten, lot of medical expenses, lots of vet things out of the gate. Kitten becomes cat. Cat becomes vet. emergencies. You cannot take care of. them. You cannot provide the high-end. food. It is selfish of you. You want a. cat, you cannot take care of a cat. That. is disgusting. >> Cat cat shoes. Scar gel.

>> Cat case. >> Hurt my keychain [ __ ] A big pig. stuffed animal. I don't know how to cook. cookbook. Well, sign up for the annual. version of our budget app and you'll get. this for free. You get it for free. because you're a guest, obviously. La. fufu, it looks like. And then. >> it's a labu. >> This is not a labu. This is a $17. original schuma kachori shi honeyumi. series box. >> Captain America keyholder ring because.

we need everything in the stupid world. A Kirby pop out costume. >> That's for Halloween. I can't tell the. difference. Kirby Jetream three collar. ballpoint pen. Dr. Pepper candle. >> I love Dr. Pepper. >> Well, try diet. Dr. Pepper. >> I like Dr. Pepper Zero. >> Diet cherry Dr. Pepper is like top tier. beverage, by the way. I'm going to throw. that out there. Young car framed black. cat wall art. juice monster.

That's my favorite series. >> Original racco holiday series blind. boxar. sign x original plug series blind box. Shut the up is what you're going to do. instead. >> Sunny angel a musfan hipster series. figure x medic cube. >> pads. >> for your face. >> What about it? What are you doing? I. don't care. Captain America shield lufu. cat hat. Pureology color fantic maxing.

[ __ ] Dumb stupid. Great. So that's. just her card. I didn't even go through. purchases. I assume we're going to do. that. So yeah, no. It just impulse. [ __ ] No plan whatsoever. Don't have. $1,000. If your boyfriend breaks up with. you, good the luck. You wouldn't be able. to survive. How long have you been in. this relationship? >> We make a year next month. >> Good luck if this relationship dies. Oh, you're closer to homelessness than you. are.

confessing. >> He co-signed a car for me. >> Let me see a picture of this man. It It. won't be on camera unless we get. consent, obviously. Do we have consent. to put it on camera? >> I would have to ask him. >> Oh, he's a septum piercing. That's. usually for the other side, but Okay. >> What do you mean? >> Well, he's a septum piercing male. And. >> yeah, >> usually it's women. I don't want to mess. up then. >> Good. I appreciate that. But it's just. it was a shocker to see.

>> He also has gauges. >> Yeah. >> Yes, he does. And you think this isn't that bad then, huh? That's what we're hearing. Colton. thinks you might be the biggest impulse. spender we've ever had since he started. >> Because I still have my basic. necessities. Dude, you don't pay for. your largest overhead for the average. person, which is rent. You're subsidized. by your boyfriend, and yet you still. blow it all. >> I help with bills, though.

>> Groceries. Come on. >> No, I help with um internet and gas. >> Yippee. That's not even close to rent. >> That's something. >> It's something. I'm not saying it's. nothing. >> That's not there for free. >> But it's not But it's not comparable. It's not comparable. >> It's not like I live there for free. >> No. No. Oh, she fills her Tik Tok. shopping cart like it's Show me your Tik. Tok shopping cart sake. Oh, what are you. doing? What kind of creature are you? Why? >> I wish I knew the answer.

>> Sorry. >> Sorry about that. >> So, you're never behind on your bills. then is what you're telling me. >> I've not I'm not going to lie. I've been. behind before, but I. >> When was the last time? >> Not within like a year or two, I feel. like. >> Uh, by the way, it was April. >> When? Which one? April. >> No, >> that's the one the the month of April on. >> April. >> But what was I late on? >> I don't have that data, but that's what. you we've established you and the. producer. >> That might that might have been credit.

one. >> What do you think behind. What do you think? What do you think qualifies as behind. you, dude? >> Oh, good. We got gel pens, headphones. >> I like breathing nasal strips. >> I snore. >> Yeah. You probably do too. >> No. >> Stop the cap. >> I'm surprised. >> Girl, I'm sorry. I don't think we should do the comparing. game.

>> I'm sorry. A hat. A tumbler. Solid color bathrobe. Another tumbler. Another tumbler. Another tumbler. I like. cups, too. >> Wi-Fi. Oh, good. I'm glad that's I'm. like, woo. Yippee. You like cups? Yep. >> Snoring last night. 0%. >> You do that with your Apple Watch. >> I do this with Eight Sleep. >> What's that? >> They were a sponsor. I. >> I mean, they're not sponsoring this. episode, but they are very good for what. it's worth. I bought her before they.

were a sponsor. It's an app. Oh, they. are a sponsor. Uh well, no, no, it's. like it cools and heats your bed, but it. also tracks your stuff. I need that cuz. >> if I if I had the money, if I had the. money, >> you do not. >> It is a high price item, but for those. who can afford it, it's pretty sick. I'm. not going to lie. Zero pore pads again. Lavender op. Dude, you're just filled. with this is just got a cosmetic bag. little What is this? Uh cushion cushion.

woman's lane corkfoot [ __ ] more put. on. You love foof foos wearable. blankets. Dude, why don't you just. >> Some of that's for my boyfriend. >> Can you like just act like a normal. person for my boyfriend? >> We got We need a little seat and I need. to buy him a gift. >> His birthday pass and you didn't get him. the gift already. Wow. What? I'm glad. he's subsidizing you. >> I already got him new work boots. >> He's really taken care of. Oh, wow. His. favorite sunflower wall hook. >> He asked for those and I got them.

>> He asked for them. >> Yeah. >> Don't worry. bumper sticker floating. aluminite. Dude, this Oh, this is Atlas. The walking taco nacho cheese bull dumb. three. I'm I'm going to die. >> I got bored on the drive over. >> Huh? >> I was. >> Were you driving? >> I was at rest stops. I had to rest. New Orleans is far. >> No, it's 6 hours. >> Seven. And I'm. >> As far as road trips go, that is not. that bad.

>> By myself, I've never driven that far. You had to stop and actually rest. Rest. >> I've been up since 6:30 yesterday. I had. work yesterday. >> You didn't sleep last night. >> I left at 7 last night. >> Let's talk about student loans. I know. it's something we all avoid talking. about, but if your private student loans. are crushing you, why refi might be. exactly what you need. They don't rely. on your credit score alone. They look. for borrowers who have the desire and. the ability to repay. That is a gamecher.

in a market where most lenders only see. a number. Interest rates under 6%. guaranteed. That's practically a unicorn. in student lending. Plus, they offer. structured payment plans to lower your. monthly bill and even a co-senter. release program so your mom and dad can. step off the hook. Why Rei is known for. their personal service. No faceless call. centers. You get a dedicated rep who. actually cares about your progress. They've got a 4.6 six-star rating on.

Google, which tells you people genuinely. like working with them. So, if your. private student loans are burying you, it is time to reach out. Yrei wants to. help you climb out of debt, not push you. further into it. Check them out at. yrefi.com/hammer. That is y.com/hammer. Or call89733978. That is 89733978. break free from the high interest trap. and get your finances under control once.

and for all. So, you didn't sleep last. night? >> No. >> The math isn't adding up. >> I've been up since 6:30 yesterday. Yesterday. >> Well, I guess if you took an hour rest. at every rest stop once an hour. Yeah, that would make sense. >> Yeah. >> Okay. So, your rest stop equals adding. things to your tic tac cart. And it was. about it was a,000 bucks in there. >> I. >> That's half your monthly income. In. fact, more. I make more than $1,000 a. month. >> Oh, you weren't. What did I just say? Can you tell me.

what I just said? >> That's more than my monthly income. Half. You said half. >> There you go. You put it together. >> Just like you were late for your. boyfriend's birthday, you were late to. my last sentence. >> He got his gift early. >> cuz we thought it got lost. >> Oh, boy. >> So, >> why do you why do you think you have. this impulse from your own perspective? Let's get a little reflection here. >> So, when I was younger, well, I just. know stories. We're. >> going way back. Okay. >> My mom did pass in 2009.

So, I know like I hear stories from like. my aunt and stuff. >> Stories. Stories of what? >> Her impulse. >> Those stories. >> Wait, hold on. Okay. >> And I like Let me clarify this with. Let's start with the uh uh sympathy. I'm. sorry your mom passed away. That sucks. That's horrible. I will literally break. when my mom passes away. It's going to. be the worst moment of my life by far. Number two, you hearing stories about how your mom.

was an impulse spender is why you're an. impulse spender. You don't even witness. her being an impulse spender. She heard. stories. >> I I went. >> Why are you saying you heard stories? >> Because I have heard stories and that. like kind of triggered some memories. >> of her dragging me to Kmart with her. this. That's why you think you can't. control yourself. >> So, she would see something and feel the. need to buy 10 of it and try to justify, oh, this will be a Christmas gift for. this person. This will be a birthday. gift for this person. >> Do you hear how you're talking? Do you.

hear how you're talking, lady? You're. you're you're you're showing how she was. bad at it. When I saw people do bad. things, I do the opposite. I'm confused. What are you saying here? >> I don't want to be this way. Oh my goodness. Okay. So, there's. there's absolutely no responsibility on. you. >> I feel like I picked up those tendencies. from her though. >> Oh, man. Dude, I don't even know. Oh, good. Your mom used to open up credit.

cards in other people's names as well. >> Yeah. >> Oh, okay. Yeah. Maybe like mother like. daughter. >> No, I have never done that. >> We'll see about that. >> No, that's I'm not like Jenny from Jenny. and I. >> car was just totaled last week. >> Last month. It was last week when I. spoke to the producers. >> Oh, what are you doing? >> So, I've gotten a new car since then. >> That's the one that. >> financed. >> Yes. >> What? Was there financing on the last. car? >> Yes.

>> Did the gap cover it? >> Oh, thanks. Whatever, >> dude. People around, man. You No, you. can break You can break little rules. within your insurance and then cover it. Oh, yeah. >> I didn't know that. Well, thankfully. that didn't happen to me. I'm glad you. did. >> I got an email last night saying that. the last payment was made to the lean. holder for that car and my credit score. went up. >> Well, I guess you're winning. I guess. you're winning. >> I mean, I think I'm doing better because. I'm not having to pay rent. And. >> it helps. >> I moved in quicker than I wanted to with.

my boyfriend, but that's because I got. kicked out of my last living situation. >> For what? >> So, I was living with my ex's mom. Wait, >> listen. >> You moved in with your ex sooner than. you wanted to, but the reason is because. your ex's mom kicked you out. >> No, I moved in with my current boyfriend. sooner than I wanted. >> Oh, your ex's Oh, your ex. You're with. your ex's mom? >> Yeah. >> Well, dating your current boyfriend. >> He was okay with it. He trusts me. >> But why'd you kick you out?

>> We have different views on like politics. and stuff. And. >> why don't you guys talk about it? because I she brought it up and I kept. asking her to be quiet because she was. being really ignorant and just. >> she was being really ignorant. >> Yeah. And I told her that she was so. close-minded that it's disgusting. >> What is ignorant? >> I don't know if I'm allowed to talk. about it. >> If you're allowed to. >> like. >> you sign an NDA. >> No. People might be offended. >> What's the ignorant? I'm I'm curious. what's so ignorant that you got kicked.

out. saying that trans people shouldn't. be allowed in like the gender that they. identify as restrooms. So like a. transgender woman shouldn't be allowed. in a woman's restroom. >> Are you trans? >> No. But. >> why was this conversation happening and. why did she kick you out for it? >> Well, I don't know how it started. I was. talking about a cruise that me and my. friends were supposed to be going on. It. got cancelled. We're not going. Um. >> yeah. Um and then something about like. the tariffs. um got brought up and then we started.

talking about Trump and then that got. brought up somehow. >> If you guys know you're on opposite ends. it's like a productive. >> started it I wasn't talking about. politics. >> You wouldn't be involved in the. conversation though. It would not have. continued to go down the road if you. weren't continuing the conversation. >> No, you weren't just sitting there and. she was like tariffs Trump. >> No. So, she mentioned tariffs and I I. did say something about Trump because I. thought I thought that it was his fault, but she was like, "No, it's not." And. then like in Mexico and stuff.

>> cuz you know how he raised the tariffs. like. >> Yeah. I'm just confused how what you're. even talking about. Okay, whatever. It. doesn't matter. Okay. So, you disagree. with politics and she kicked you out. >> So, I told her that she was so. close-minded that it's disgusting. because of what she said about. >> Why would you attack the person that's. keeping you over their head? Just go in. your room just like she. >> was attacking me. She was getting loud. with me. >> Well, she doesn't like your position. That's fine. Separate. We have to. separate, guys. Theing politics cannot. be a battle. >> I was trying. And she just kept saying,

"Why? Cuz you know I'm right. Why? Cuz. you know I'm right." Cuz I kept asking. her to be quiet. And then when I told. her, >> Kevin, no one likes to be called in. random close-minded though. Obviously, she viewed that as a personal attack. >> Well, yeah, but then she started. throwing the stuff that she's done for. me in my face. >> Well, yeah. I mean, she's allowing you. to say there. That is probably a truth. >> Yeah. I was kind of living there run. free. So. >> So yes, >> but again just separate. >> I was trying. >> No, you were not. From everything you've. said, no, you were not. You both enabled.

these. >> I was trying I was trying to fix my. lunch for work the next day. >> and then I was going to go in my room. and when I said the what I said about. her being ignorant and close-edminded. >> So you're like, "Yeah, ignorant." And. she kicked you out. >> She said cuz I had mentioned to her that. my boyfriend wanted me to move in within. the next few months. This was back in. like February. >> Is your boyfriend trans? >> No. >> I have friends that are like LGBTQ. So, and I have like one of my childhood best. friends is trans. >> Okay. >> I just I was like trying to think.

>> Not a productive conversation to have if. you guys are completely opposite ends of. the things. I I like I don't get it. It's just like I wouldn't have that. conversation that she's the one that. brought up the transition. >> Yeah, but you could have stayed quiet if. we were playing that diplomatically and. you were just throwing. No, I was I was. trying to stay quiet, but then she. started. >> Okay, so she kicked you out. >> She said, "You know what? You can go. pack your bags and leave now instead of. in a couple months.". >> What do you call a trans nephew? >> Huh? >> What do you call a trans nephew? >> I don't know. >> A nibbling.

We learned that on the show. And that is. a hilarious word. Why did they choose. that? What the. >> a nibbling? >> That's your That's your genderneutral. nephew. Wouldn't it just be a child? >> You better not question it. >> You will be ignorant. You'll be very. ignorant real quick. >> I'll be ignorant. >> It is a It is a nibbling. >> It sounds like you're nibbling on. something. >> That sounds like a bigot. Ladies and. gentlemen of Financial Audit, this is. one of the most exciting moments in this.

channel's history. You know, I've been. working on building all these. educational tools, our budgeting app, all this crazy stuff over this past. year, cuz that is where my passion is. We finally did it and now we put it all. into one program called Dollar Wise. Central. You get the premium version of. my budgeting app. You get the cookbook. mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff and finance all the way to the. advanced stuff collaborated by experts. with the lowest refund rate in the.

industry for a reason. And guess what? If you are struggling or you want to. learn more or you want to change your. life in any way whatsoever, like literal. tens of thousands of people have done. with our programs, go to dollarwise.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. Wise.com. Let's. go. >> But yeah, she kicked me out. And then.

the next day she tried texting me say. like apologizing and saying that I could. come back. >> Well, there we go. >> I didn't want to go back. >> Well, no. >> Because she said some really hurtful. things. >> You both said hurtful things to each. other. Come on. >> She was throwing the stuff that she's. done for me in my face. >> Well, she was doing things. >> I know, but she would constantly tell. me, "Oh, don't worry about it. Don't. worry about it. Like, I'm doing this for. you because you're like a daughter.". >> Don't worry. Listen, you guys were in a. hostile conversation. That what bubbles. up and it comes out. That's where it. comes out. It sucks. But that is.

>> I didn't say anything to that extent to. her, though. >> Come on. You both find different things. insulting. We're all individuals in. this. We find different things. insulting. >> She basically called me a freeloader and. said, "Good luck with your boyfriend. because you're not going to be paying. any bills when you live with him.". >> She was attacked. I'm not I'm not saying. what she said was good, but you were. attacking her. She attacked back. It. wasn't great. And also, you kind of are. freeloading on your boyfriend. >> I help with bills. I help more than I. did with her. >> Well, cuz you did nothing. She told me. she told me. >> I know but literally if you provide $1.

you're providing more than what you did. with her. So like yes. >> a quarter. She would tell me like if you. can't give me anything this check that's. fine. >> No I'm not arguing against it. I'm just. saying obviously yes you providing. literally anything is more than what you. were doing. >> Yeah. >> You still are not doing much. Okay. Listen. 0 to 10. What do you think your. financial score is? Zero being the. worst, 10 being the best. >> A zero. good, reasonable, >> I'm like a negative 10 probably.

>> that's doesn't exist. If you want your. hammer financial score, figure out where. you stand in the world of finance to see. where you're failing, see where you're. doing really good, take the assessment. at caleb.com. It is free. And if you. don't want to be like a guest who ends. up on the show, make sure you download. the dollarize budgeting app. Sign up for. the free trial. If you like it, you can. save a lot of money by signing up. signing up for the annual version. And. when you do, I'll sign a budget friendly. cookbook that I made and I'll mail it. directly to you. And you can also bundle. it with all of our educational products. together by joining dollar wise central. that is 80% off. Go to dollarwise.com.

learn more. Let's do this thing. >> Are those veggies real? >> Huh? >> Are the veggies real on the cover? >> Yes. >> Oh, okay. >> Yeah, it was taken to my house. >> Cute. >> Oh, okay. Oh, credit one. We're going to open with. a credit one. The uh indication that we. are incredible with finances because. we're not doing that bad. It is. indicative of Oh, you probably have. really good finances. One, everyone's. favorite. Okay. Uh oh. If we're not over.

the limit. >> That's probably from interest charges. >> Uh let's see. Well, no, you actually. were already over the limit. The only. way interest charges would push you over. the limit. is by you not making a payment on time. and get hit with late fees and whatnot. Didn't happen. And this month looks like. it happened in April. >> Yeah, >> cuz that's what pushed us over. Then. your minimum monthly payment isn't. enough to pull you under with how over.

you went. What's going on with this. card? >> I. wanted something that I didn't have. for I don't remember that card. >> You don't even see this is and that's. >> a couple years old. >> and this is that that's it's been maxed. out for a couple years. >> Yeah. And that's why this is a broken. philosophy that you have with the. spending money on things because you. don't even know what you got. It's. something so ignant that it doesn't even. matter. Doesn't positively impact your. life today. Yet you are paying interest.

on it today. You are paying fees on it. today. You are paying late fees on it. today. And now you're over the limit. today on something you got a couple. years ago that you don't even remember. >> It could have been food. >> It could have been. I'm sure. I mean, you spend a ton on it. So, $41 is your. minimum monthly payment. Takes 3 years. to pay off. If you do minimum monthly. payments on time, only without. purchasing anything. And I bet if there. was room to purchase, you would listen. $85 of fees, $17 of interest. I This.

ising crazy. And of course, this had a. 28.24% interest rate. >> I had it almost paid off before and then. they upped my credit limit. >> How does that. >> So, I started using on it again. But. wouldn't you still had like available. credit if you almost had paid it off? Why does them upping the credit limit. all of a sudden be like, "Oh, let's go.". >> I saw that I could spend more and I. found something that was that I wanted. >> of which we don't remember. >> Yeah. >> I mean, we know that you probably got.

through your purchases that you talked. about with Colton $120 AirPods, phone. upgrade, you know, $140 to pay the. difference. I mean, $100 minimum on fast. food a week still. So, it's like. >> that's why I had that cookbook in my. Amazon cart. >> In the cart. The cart. wasn't even purchased. It's in the cart. You're still considering whether or not. you want to cook. >> I I want to cook. I want to learn how to.

cook. >> What's complicated about cooking? So, I. messed up making like pre-made brownies. before. Are you. >> like I don't. >> I guess. >> Okay. Do you go out a lot or are you. like a stay-at-home kind of person? >> Like eating? >> I don't know. Just in general. >> In general. I'm more of a homebody. >> You're a homebody. Then why the are you. not cooking if you're just at home? I. guess that just leads to Door Dash.

Probably. >> groceries are expensive. >> Not as expensive as Door Dash. What? >> I don't Door Dash. I'll like go and pick. something up. >> It's not as expensive as that. >> It depends. >> No, it does not. >> My meal at McDonald's is like $67. >> Great. Your meal meal prepped would be. less. >> I doubt it. >> Well, I can get you. I can get you at per meal if we call it. a 28 day month divided by three. I can. get you at per meal $2.90 if we're meal.

prepping. Yes, that is the math we've. proven and we check it once a quarter to. make sure it still works. And that's. using the recipes in that cookbook. >> That's. >> But that involves meal prepping. >> I was prep like brand new meal three. times a day. >> I know. I understand that. >> Okay. >> I eat leftover. >> Dude, you're a homebody. >> Yeah. >> Why the what are we doing? If you're never leaving, why can't you. just stay home and cook? Because my.

boyfriend asks me, "Hey, do you want to. get McDonald's?". >> And your answer is no. >> My answer is yes. >> Well, your answer should be no. I mean, I'm being told all you do is. literally just watch TV if you're not at. work. So, >> yeah. >> Cook, you have all the time in the. world. >> It gets hot in the house. We don't have. central AC. >> and it's gas. >> You're already there. >> But it gets hot in the house and I don't. like. >> vent it out. >> How? Oh, we don't have central AC. >> Vent it out in a window in a fan, you.

dumb tit. >> I guess. >> you guess. >> it's hot outside. >> Oh my. Yes, but you can vent it out. If. it's hotter outside than in, then close. the window and just cook. Again, you're. meal prepping a couple times a week. The. rest is just warming up what you meal. prepped. So, it's not like that impacts every. day. Anyway, there's lots of cold meal. preps in there as well. Overnight oats. and like that. Salads. >> I like salad. I love salad. >> Okay, >> maybe I'll get a big salad and like.

a tub of ranch with some grilled chicken. on it. >> Tub of ranch. >> I love ranch. >> Outback ranch is so good. >> Oh, outback ranch specifically. Okay. >> Yes. >> Um, yes. Let's not use ranch anymore cuz one. expensive. Two. >> I love ranch. >> I love ranch too. I also love making it. to the age of 60. Okay. What about. Caesar dressing? >> Dude, any dressing is okay if you use it. in a reasonable amount.

>> Yeah, valid. >> You are not. Well, >> you're saying not to use ranch at all. >> In a reasonable amount. >> Okay, I might be able to do that, >> buddy. Let's just talk about and. sometimes upsets people, but I don't. really give a pearl clutches are weird. There's you're going to have to make big. sacrifices to budget to get out of debt. to have a fully funed emergency fund and. get on track for retirement. There's. also no point of doing any of that if. you're going to die at 40. >> That's around the age my mom died. >> That's not surprising. Were you guys. similar? >> She had a massive heart attack. So,

>> are you Were you guys similar? >> Like, was she fat, too? >> Yes. Morbidly obese. Let's be honest. >> Well, yeah, she had a heart attack. >> I don't know. People have heart attacks. that aren't. But that is a that'll get. you there a lot quicker. >> As far as I know, my heart is fine, >> buddy. You're 27. >> Yeah. >> Thought it can happen in 13 years. It. can go downhill real quick. >> I'm humble. I'm. >> The hope isn't what does it. I'm sorry. No, no, no. We need to talk objective. things. It's not a fashion thing. We got. permission to do all this blah blah blah.

blah blah. Sheing gave us all the. consent in the world. So, that's why I'm. doing this. I want to go up to a random. person in the street and say this. >> You're morbidly obese. >> I know. Am I being like over 50? >> Oh, um yeah, that's bad. Uh yeah, 40 is like. kind of where you're going to be. concluding this mission of life. That's. not good for your boyfriend if you want. to be together longer. Selfish. Two, what's the point of sacrificing all this. if you're not going to actually do it?

And I usually hate that argument for. most people cuz when most people say it. statistically, they will live into their. 60s, 70s, maybe even 80s. So it's like, no, sacrifice for the statistical. likelihood that you're going to do that. you're going to make it there. >> 13 years is a lot of years to still. live. a lot of years to still live, but. it's like you will be sacrificing during. that if we're if we're doing this. correctly. But I mean, that's 200. milligrams of coffee right there with a. heart that you already have that is. surrounded by. >> I am running off of.

>> I understand. I'm just saying I I want. us to be objective here. We're talking. about. >> Sure. Yeah. Talking about morbid obesity. specifically isn't a financial. conversation, but it does involve the. entire life that we're having here. What. is the point of sacrificing pay off all. this debt? Get in fully fund and save. for a retirement you'll never see. Your mom, morbidly obese, had a heart. attack at 40 and died. You are living. the same lifestyle. BMI over 50. Terrifying. And I know I'm a fat. I get.

it. >> You're being probably like 20. >> I'm I'm I'm barely in the obese. category. I'm almost under. >> We love that. Yeah, there monthly. mukbangs and the hammer elite membership. is not helping. But. Cheesecake Factory this last time. Not. helping. >> I've never had Cheesecake Factory. >> Don't. >> Okay, I'll take your word for it. >> Well, a slice of cheesecake is over. 1,000 calories. Really? >> Yes. Uh, okay. Either way, do you. understand what I'm saying? >> Yes. >> And this you meal prepping cooking at.

home is a kill the bird with two still. kill. What is it? What is it? Kill two. birds with one stone. >> Yeah. Well, yeah. Two birds with one. stone. Living longer via getting. healthier. Finance is good. We like that. What? This isn't even like a sexual. thing. What does your do this? Mine doesn't.

I. >> Okay. >> So, it's very important and it's a very. serious thing. Okay. Like, yes, we make. jokes and roasts and stuff as you were. well aware and are well aware. Yes, that's for the fun of the conversation. Haha. Haha. That's real. >> I do not want you to follow your mom's. footsteps and there's no point of doing. this if you. >> I don't want to follow her footsteps. either. >> You're doing nothing to change it. I'm. sorry. You probably only got Come on. What's. >> I'm sorry. You How much do you weigh?

>> My biggest I've been like 302 right now. 287. >> And how tall are you? >> 54ish. >> Damn. >> All right. Listen here, financial audit. I've curated the exact resources and. tools I personally use or would use if I. was in certain situations. So, take. advantage of these offers in the. resources section in the description. below. The first one, I've moved my. investments to Weeble. Do the same and. transfer to my investing app of choice. and you get cash bonuses of $200 all the.

way up to $30,000 depending on initial. funding amount and up to 8.1% APY on. your money and up to 3.5 matches for. your IRA. And then number two, a great. new checking account that I've switched. over from SoFi and it's called Chime. Get that $550 bonus when you sign up. with direct deposit and get almost 4% on. your money just sitting there. And then. three, automate your investing with. Acorns. Usually sign up incentives are.

only five bucks, but you get $20 with my. link. Number four, you can increase your. income and boost your resume with a. course career certification. Five, if. T-Mobile is good in your area, switch to. Helium. Get a literal 0 a month phone. plan for the same exact service. But. most importantly, go get your free. Hammer financial score and see where you. stand in the world of finances. Take the. assessment at caleophammer.com. You will. not regret any of these. Change your. life today. Yeah. Okay. So,

>> if only I was taller. >> I don't think that's the issue we're. dealing with here. Okay. So, time to take it seriously. And. you're not You don't want to follow her. footsteps, but you're doing nothing to. change that. >> I feel like I don't have the motivation. to want to be healthier. >> Okay. Here's the motivation. You won't. die in 13 years. If that's not a motivation enough, I. don't know what is. Death. Death. >> Who knows what my life will be like in. 13 years. >> Dead probably. Unfortunately.

happened to your mom. and that sucked. >> She died in a GameStop parking lot. >> It's the ultimate way to go out. But. >> she was behind the driver's seat. She. was about to head home and like it. happened and she. >> Okay, I'm sorry. >> I'm sorry. I'm not trying to be morbid. >> Well, you're not. No, you are to. yourself. >> That's why they call it morbid obesity.

I was about. >> to say that. >> Well, no. I mean, that is I think that's. why. Okay. Is it. >> I think so. Okay. Amazon Chase card. >> Yes. >> $712.76. on here with a minimum payment of $35. Two years to pay this off. You're. purchasing still on a card that is oh. over the limit. This is also over the. limit by 12 bucks. What are we doing? >> That was probably my prime membership. >> Maybe pull out your Amazon for me. 107. in interest this year so far. I want to. see what you've purchased. We saw what's.

in your car. I want to see what you. purchased. What you're buying on Amazon. This is ridiculous. All this interesting. 107 this year so far. substantial balance in these minimum fee. payments are going to stack up for your. income. >> I I understand that and that's why I. feel like I'm in the position I am is. because of all the minimums. >> Okay, here's the purchases. Uh we got. some bra. We got love stuffed animals. hammock. Oh my gosh. Hammocks for our. stuffed animals. >> Yeah, I had a lot of stop stop.

Hyperallergenic nose stud women men. surgical something. Okay. 16 stainless. steel keychain. This all is so stupid, dude. Magic John two pack iPhone thing. You're iPhone stupid. Great. I don't. give a Okay, I don't care. You have no. money. >> What a dream. >> Laboo case. She got a laboo case. protecting. >> Oh, we're dying, ladies and gentlemen.

The the labu gods heard me about the on. this Laboo purchase. I'm not even using the case as the. thing. >> She's not even using the case as the. thing is, right? She got a protectorate. case and then she doesn't even use it. She just keeps it on her dumb. >> sight box mat. thing. iPhone. That's for my boyfriend. Flipflops. >> Just cover your toes, please. >> I am today. >> None of us need that. >> Covering them today. >> Velvet cloak with hood.

>> That was for my boyfriend. He was We were watching Harry Potter and. he was feeling very wizardy. >> Oh, I hate you guys. Oh, I'm sorry. What. the. What you You're 27. >> I'm not even really into Harry Potter. like that. What house are you? >> What do you think? >> Ravenclaw. >> Slytherin. >> My boyfriend is too. I'm a Hufflepuff.

Every entrepreneur and business owner is. in Slytherin. >> Really? >> Yeah. Tress, wellness, hard wax. >> [ __ ] more plushy [ __ ] There's. some closed towed shoes. Thank. >> I'm wearing them right now. >> Good. We're lucky. We're blessed. Oh. Oh, I got to note that you were. absolutely thrilled and absolutely. gushing on the phone with Colton that. you found out you can affirm on Amazon.

Yeah. >> Wonderful. Great. New financial unlocked. >> That's what most of my affirms usually. are is Amazon purchases. >> Well, something else we will be getting. to a firm then. >> Yeah. >> Merrick Bank. Visa. So, okay. It's a credit card. >> Yes. >> Purchasing again on a card that is over. the limit. This is three in a row. We've. looked at three cards. They're all over.

the limit. This one's over the limit by. $12. What the are you doing? You don't. care about anything. You don't give a, do you? >> I do, >> dude. You're over the limit on the three. cards we've looked at. Please explain to. me any kind of indication that suggests. you care. >> I'm here. >> That is Come on. I like that's exciting. I'm glad. But you haven't shown in your. actions that you care. Good. You sat in. front of a camera for two hours. I mean, that's not insignificant. I don't want. to discount that. But it's like you're. not doing anything in your own actions. and finances.

>> That's why I'm here because I want to be. a. >> I want to be able to take those actions. and be better. >> I hope so. $61,260. Minimum monthly payment $35. What? >> I was confused cuz when I first opened. the card, it was um like a 500 um credit. limit. >> Probably went up. >> It did. >> Great. >> I remember cuz then interest acred $1486. of interest acred after you purchase. pushed it up above. Great. Listen, you. can use the Fizz card. At least it's a. debit card that builds credit. That's. what I would allow you to do. And if you.

ever want to get a big girl job, I'll. get you a course career certification so. you can build your resume and do that. I'll help you with either of those. things. But listen, what's the critical. purchase? We did McDonald's. Shocker. Laundry cat. You don't have. laundry in apartment. Okay, that's fine. We we'll budget that. >> I've recently started going to my aunt's. house. She's like 15ish minutes away. from. >> Well, that's fine as well. And if you. have to pay for laundry, that's okay. like it is like if you don't have it in. in the place that's fine. I'm okay with. that. Uh but the McDonald's what the are. we doing and then pushing it above the.

credit limit not paying off a card. It. takes two years to pay off minimum. payments without purchasing but you. can't not go to McDonald's. It's all you. do. >> It's like 5 minutes away from the house. >> Why does that matter? It's money you. don't have. >> It's right there. >> Why does that matter if it's money you. don't have? There's McDonald's. everywhere. That's kind of what they're. known for. >> What's your McDonald's order? Um, so. lately I've been getting like the two. cheeseburgers and a fry. Like the two. cheeseburger meal and a fry. >> Two cheeseburgers. >> Yeah, they're small.

Sometimes I'll get a hot and spicy. >> Huh? >> Sometimes I'll get a hot and spicy. instead. >> That is no drink. >> Yeah, I'll get um either Dr. Pepper or. high sea. >> What size? >> Large. 40 years old, huh? >> I feel like I balance like the sodas out. because I drink do drink a lot of water.

I wish I I wish I wasn't so sane that to. laugh to. It's like you that is your. literal life. It's it's it's tragic. Okay. Capital one. What's going on with. this? >> Which one? >> Is this Oh, platinum. >> Which one? I have two. >> Uh, world.

>> Huh? >> Capital Platinum card. World Mastercard. >> World. >> That's what it says. I don't know. >> Um, probably wanted something that I. didn't have the money for. >> Oh, good. Yeah. It's a balance of $58. Does that help narrow it down? >> Not really. >> How could I tell you which one then if. not the balance would even answer it? She's over the credit limit. Four in a. row now. Four in a row. No, she's over. the limit. The limit's 500. You're over. the limit oning everything, dude. You're.

over the BMI limit. You're over on all. the credit limits. You're just. >> It was probably interest that brought it. over. >> No, you dumb. I'm sorry. I'm sorry. I'm. sorry. I'm sorry. Shh. Quiet. That is. That is ridiculous. The interest alone. if you did not purchase and you made a. minimum payment would not do it. It. would never do it. Never. Never. Not. even on a payday loan would it do it. >> What did I purchase on that card? >> I will get into that. I need you to know. that it would not do that. >> Okay.

>> The minimum monthly payment is. constructed in a way where you will pay. it off. It will not just endlessly go. off. It might take forever, but it will. be paid off. But if you make a payment. and it goes $2 under the limit, then you. make a 20 $2.12 purchase. No. After the. interest and hints, it goes above. No, that's how it works. It's only cuz you. purchased because you made the choices. Choices. Yours. >> What? >> What was that? Taco Bell or McDonald's?

>> It was Door Dashing, which you said you. didn't do, you dumb tit. Popeye's. Then. you went into a gas station and got. probably a Celsius or something. >> I usually drink Monster. >> Great. You went in the gas station and. got some Monster. >> Probably. >> Is it Monster Zero? >> No. I like. >> For what it's worth, those things are so. calorically dense. They're insane. >> What do you mean dense? >> As in they have a ton of calories. >> Oh. >> For the amount that you're consuming. What? What is the calorie, Brandon? Do. you know? You You drink that, don't you?

>> Celsius. >> No, a monster. >> Oh, not every monster. That's. disgusting. Uh well no no no no. We. established on fat and fatter it is. actually quite yummy. But it's. >> they're like 250 calories. >> But it's like disgusting in terms of. health. >> But it but it's yummy. >> Monsters are like 200 calories a. monster. >> This is 10 calories. >> Yeah because it's Celsius. >> But the pipeline punch is so good. >> It's the best flavor. >> I'm googling it. And the normal one's. 230. It's probably. >> It's actually a little lower for what. it's worth. >> Oh, really? >> Um uh 200.

>> jazz hands. We're on a diet. >> Who's on a diet? >> Great. So, we got a monster and we door. dash Popeyes of which again we said we. did not do ever. >> I never said I never did it. >> It's kind of what you were at least. suggesting through your language. Replay. it. Throw it in. Not as expensive as. Door Dash. What? >> I don't Door Dash. I'll go like go and. pick something up. >> It's not as expensive as that. Come on. That's what it at least sounded like. with your words you were saying. >> because you made it sound like I only Do. like once did Door Dash.

>> I'm going to die. This is crazy. You push it over the. limit for monster. >> in Popeye's. >> I probably needed a monster that. morning. >> There's no such thing. >> Yes, there is. >> as need. >> If I didn't get a good night's sleep, I. need something to keep me awake. >> Buddy, then you were just keeping that. cycle going. >> What do you mean? >> If you are overcompensating by not. getting enough sleep and not keeping. your caffeine at a baseline level, you. are overcompensating. And you were going.

to make it harder to sleep still. >> It's not that I don't get enough sleep. I just don't sleep good. >> No, I'm sorry. But that that is how that works. medically. >> It's probably cuz I have sleep apnnea. >> Yes, that's what I'm saying. >> I'm supposed to have a seat machine. >> No. Yeah. Let's just get to the grave. quicker. Come on. I'm not saying that. it's an insult. It's just like not a. surprise. It's like you can solve these. issues by doing just the couple of. things that we're talking about that. also improve your finances.

Okay. Interest. Yeah. 82 bucks. Yeah. 29% rate. Okay. We got a venture one. card. >> Okay. >> What's going on with this? Is it I. probably something I couldn't afford or. is there a little more information? Perhaps a little more reflection. >> I. went to a. >> All right, ladies and gentlemen. Get her. on Rogan immediately. >> What's Rogan? >> You're a cable TV watcher. Is that what. the TV you're watching all day?

>> No, we use streaming services. >> Do you use YouTube? >> Yeah. >> Listen, it's okay if you don't watch, but the fact that you just don't know. I'm a little concerned. >> I do watch YouTube. >> I was listening to It's okay if you. don't watch him, that's that's fine. I'm. not I'm not advocating for that. specifically. >> Is he another finance, >> dude? It's just the top podcast and it's. okay if you don't like it or like it. I'm not I'm not I'm not I'm not. suggesting that. I'm just like it's. literally the top. So, it's like how do. you not know that? Like what cultural. blindness do we have? >> Yeah,

>> I lost the paper for the last one. I. need to know the minimum monthly payment. for the Capital One Platinum that we. went through. >> All of them are 25. The minimum. Yeah, all for for all Capital One ones. >> Okay. This Capital One Venture is also. 25 at a $56. balance. >> It's over the limit. Good, dude. This is. five in a row. This is five in a row. >> Five for five. >> Colton's saying all you watch is. Supernatural, so I don't want to hear. >> Yeah. >> No. Oh, well then, yeah, I I'm I'm not. surprised you don't know who people are.

>> I. >> That's fine. >> used that card to go to a Supernatural. convention. >> Isn't Supernatural an old show? >> Yes, but they still do conventions. They. still do conventions. >> that we go over a limit for. >> Yes. >> Oh my goodness. From the cloaks to. become wizards to supernatural. conventions to being maxed out on every. card plus more. Oh, what are we doing? I. mean, there's just there's no indication. that you actually do care. I'm sorry. You say I care and that's why I'm. sitting in this seat.

>> That was a couple years ago. That was. the reason I opened this. >> But it doesn't. Either way, you are over. now and you got the cloak last month, so. I don't want to hear it. >> The cloak has nothing to do with. Supernatural. >> I am talking about your spending. behavior. >> Why are you laughing? >> I don't know. I'm sorry. You taking this seriously? >> No. I'm Yes. I'm sorry. Wait. No. That. was I am taking this seriously. I'm. sorry. >> Two years to pay this off. It was Disney. Plus. Yep. There's a subscription we.

got. We're keeping Disney Plus on a car. that is over the limit. Well done. You're never going to be debtree. >> That's what brought it over the limit. >> No. And that guess what, believe it or. not, charges on a reoccurring basis. So. that's going to keep it over the limit. >> Yeah. Boy, >> recently I made like a bigger payment. like a minimum payment. So hopefully it. won't go over again. >> Doubt cuz that's not how this works, dude. It's just going to keep going.

because that's more this is more money. All right. Uh another platinum card. So. we'll call this the second platinum. $456.81. Wow. The first time we're not over. Well. done. You're about 40 bucks to get. there, but okay. Thrilling. $25 minimum. payment. Two years to pay this off. They're all two years, but that's if you. don't purchase. And you didn't purchase. on this. says because like the first one. we didn't purchase on so it didn't go. over. I'm sure you will. Well, now that. there's ability to purchase 31.24%.

interest rate. >> You don't want to know my car interest. rate, >> huh? >> You don't want to know my car. >> Well, in fact, I do. But we'll find out. when we get to it sake. >> Cuz if you think that's bad. >> Well, okay. Okay. We have a target card of. which we didn't send a statement. We. sent. >> that. We sent a screenshot of the. download your statement page and there's. all the months of her statements instead. of actually. >> statement is really small at the top. It.

wouldn't let me download it. I can try. to read it for you. >> I can I have. >> Okay. Oh, I'm sorry. I didn't know if. you were nearsighted or farsighted. >> But I have glasses. >> That doesn't matter. >> $366.60. You're under by 30 bucks. Yeah. I bet. you're Target obsessed, aren't you? >> I used to be. That's how you get your. steps in. $366, $30 minimum monthly payment. 15 months to pay this off. Again, no.

purchases, but $8.88 of interest this. last month. >> So, if there's been no purchases Oh, never mind. I'm thinking of something. else. Man, this just keeps going. Are we are. we are we are we making a third fat. stack week at this point? This is crazy. This week has been the most insane week. of filming I've ever experienced. And. that's why the wink the the wink the ink. is so dull because we've we've just. we're just running out of ink with you. people. This is crazy. This. >> in black and white then. >> Huh? >> Print and black and white. >> Dude, this this is.

>> that's orange. >> Yeah, but the black and white is what's. Oh, you I hate you. No, I don't. That's. not true. Just I don't I hate that. moment. Torid, what's going on with Torid? I purchase. clothes with that card like when I need. them. >> Why would you need more? You already. have. >> It was initially open because I needed. some pants for work. >> You did not have pants. >> Not that specific type. No. And it was. Black Friday. >> Okay. So, we got 200 or $352.34.

of pants. No. >> single pair. >> I that when I opened that card, that was. the reason I bought it. >> Right. >> Opened it. That was Yeah. The number one YouTube membership just. got upgraded. Three exclusive shows. every day, Monday through Friday. Financial audit post shows, exclusive. and uncensored financial audit episodes. Our call-in show, Hammer It Out, then. take the train,

>> and brand new shows, Fat and Fatter. >> That is that one is. >> I would go off brand. behind the audit. >> This was wild. >> Shop smart. >> And now upgrading from one live stream a. week to two. No other channel offers. what Hammer Elite provides. Join with. the link in the pinned comment or. description below. Join Hammer Elite,

the best membership on YouTube today. You guys are destroying your financial. future, spending like you have unlimited. money, but you're just going further in. the hole. >> What do you mean? >> You have a literal $1,100 monthly car. payment. >> Yeah, it's getting a little tight. >> $264 in monthly subscriptions. >> I didn't know we had that many. You guys. have to take control of your finances. >> How? >> Just download the Dollar Wise budgeting.

app. It shows all of your expenses in. one place and helps you monitor your. finances so you're not blowing hundreds. of dollars a year on things you don't. need. Download the dollar-wise budgeting. app today and take advantage of your. free trial. And now I mean you're still. purchasing. You got something at Torid. for $56.78. >> That was probably a new bra. >> You did not have bras. >> You did not have bras. >> Not one that fit me properly. No. >> Are boobs fluctuating endlessly? Different types fit differently. Like.

different styles. They have different. styles. >> Why didn't you have by 27 bras that fit. you? >> Huh? That's not the only thing I've. bought. >> I'm just confused how you had to spend. this. Like of 27 years, you never got. bras that worked. >> I purchased more than bras with that. card. >> No, you said this was bras though. This. purchase. >> like the most recent purchases recent. purchase was a bra. And I'm confused how. you did not have any bras that fit you.

>> Because I was buying the wrong style. >> for 27 years, >> I guess. >> Oh, for sake. >> Okay. 11 hours and 1 cent of interest is. acrewing. Yeah, it's close to the limit. At least you're not over. Oh, you've had. a late fee this year so far. Well done. >> Um, I don't remember that. >> I'm sure you don't. 35. 35.99%. interest. Oh, that's insanity. That is.

disgusting. Never evening seen that on a. credit card as far as I remember. Oh, okay. Well, let's keep going. Let's keep. going. Zabble. What the is a zable? You're getting things that are just like. made up British words. Oh, Zabble. Zabble. My zapple car so I can get my. free. What the is this? >> That's a credit card. [Music]. >> Wonderful answer. Ladies and gentlemen,

get her on Theo Von next. Our interview queen. What's going on with it? Perhaps. >> I. use it for food, I think, mostly. >> Okay. Yeah. $26.58 of purchases, $8.84. of interest. Oh, we're over the limit. once more. $3163, $25 minimum monthly payment. Yeah, we door dash Subway. So, so far. we've had a few going out to eats, but.

two out of three of them have been Door. Dashing. And are we still sure the. majority is not Door Dash? Cuz right now. the majority is leaning towards Door. Dash. I'm sure we're going to get a lot. more on checking cuz Oh, you spent a. lot. >> No, a lot of the like charges on my. checking for food is like drive-thru. Well, it's funny because you don't have. the room to purchase it on your credit. cards or else you would. They're all. maxed out in many over. >> Yeah, >> it's crazy. Why in your financial. situation $15 an hour are we getting so. much Door Dash in a month? Like, that's. insane. Is that not insane?

>> I'll bring lunch. Like, I'll bring like. a froz frozen. >> Dude, I don't even need to hear that. I'm asking, is it not insane that you. alone are getting Door Dash at $15 an. hour? >> It might be insane. Yeah. Yes, it is. >> It might be. >> It is quicks card. >> Um, that one. may have been for an.

a purchase. >> Wow. >> Obviously, that took us 30 seconds to. really get through that that really. insightful. >> I was trying to remember the exact. purchase. I can't even think of another. interview show we should get her on. Let's get her on uh Jimmy Kimmel. >> Um. maybe Amazon, even though I have an Amazon. >> You didn't even purchase, dude. You. didn't even purchase. It's pretty close. to max out, but you didn't even. purchase. Okay. You made your minimum.

payment of 25 bucks, and that was it. $6.31 of interest acred. We've made it to a firm. >> Oh god. at a 36% interest rate. Oh, I'm. losing hope on this one. Too many fat stocks this week. That is. not making fun of your weight. That is. the amount of paperwork. >> But I guess by saying I wasn't making. fun of your weight, >> I called attention to it. So, >> even if you were, it's okay.

>> I know. Well, I wouldn't be saying it if it. wasn't already allowed. I don't just. make fun of people without their. permission. $447.50. is owed on here. >> That is for concert tickets. >> To. the fat IPS, >> I'm going to myself. >> Um, take a wild guess. Just guess. >> Get me on Kill Tony.

>> Pat and Black doesn't even sound. similar. What did I do? I'm like, I'm. literally. construct the news. every news ever. right now. I need to just. >> You really are trying to make fun of my. weight, >> huh? >> You said the fat I peed. >> Oh, you're going back to that. Gosh, I. was I was making fun of myself, though. How horrendous that was. >> Like, it didn't It wasn't even It wasn't. even bad enough to get a smirk from. anyone in the room. You know how a joke. can be so bad that it gets a smirk?

Not even that. >> So, that's um I'm going to see 21 Pilots. in October. What the have they been up. to? They're this 2015. They they've they. done. >> honest. Like Tyler said after this tour, they don't know when they'll be touring. >> Who's Tyler? >> One of the guys. >> Is that your boyfriend? >> No. One of the guys on. >> just name drop people. Well, I don't. know. >> Well, you said 2015, so I thought you. knew who they were. >> I know who they are. Why would I know. their surnames? >> I thought you knew their names cuz you. knew that they were popular in 2015.

>> I didn't know a lot of bands. I don't. know their names. Why the would I care? Tyler is the um like singer and then. >> I know Tyler the creator's name is. Tyler. >> Well, the singer's name is Tyler, too. But he said they they don't know when. they'll be touring again after this. tour. >> Well, that's because they've heavily. fallen off. >> No, it's because they've been touring a. lot. They've not heavily fallen off. Don't even play with me. I. >> Dude, I like their music in 2015. >> Have you listened to their new stuff?

>> Nobody has. That's the point. I have. That's. >> And I guess you make up for at least. three people, so that's helping them get. there. >> But um I was supposed to be going with a. friend and her husband, but that's not. happening anymore. >> Which one? I don't care. Great. So you. purchase something for is barely not. even happening anymore. You're going. alone. Wonderful. >> She. >> Hey, what's your minimum monthly payment. on this? >> 40. >> Wonderful. This will be paid off in pie.

when you're 40. She's still paying me. for her and her husband's half because. she went behind my back and bought. concert tickets for a different concert. that same day in a different um. >> what band. >> A K-pop group. >> Now that seems valid. >> What do you mean? >> I don't know. But at least people listen. to them. >> You don't even know. You don't even know. the group. >> No, but K-pop's huge right now. >> K-pop has been huge. >> Exactly. >> We just. >> Guess who's not? Guess who is? >> We just I'm. >> sorry. I can't I'm sorry. Let's.

Okay, let's Okay, what does this affirm. that is 12? I would never make these jokes if it. wasn't for this book. I mean, kind of. here and there with my friends. Sure. $126.81. at a 36% interest rate. What is this? >> That's probably Sheen. >> It was Sheen. Wonderful. >> For my Tula boos. >> from Sheen. >> They're authentic. >> You want me to jack you off? I don't. know. What do we. >> I don't have that for you to do that.

>> We can still call it that, but it's. >> I can't get them off PopMart. >> You shouldn't get them. >> I wanted that. >> Oh my. Within the last year, she has. affirmed $700. of Laboo Boooos. >> Yeah. >> Great. Well, we're paying 36% interest. on Loom Boooo, making a multi. multi-billionaire even more multi multi. Wonderful. And that fad's already kind. of already going. So, >> not really. They're still really hard to. >> Oh my goodness. Just like 21 Pilots. Come on. It's like you're not. recognizing the trend. They're not as.

relevant as they were a few months ago. >> First of all, quit coming for 21 Pilots. They didn't do anything. >> I like their music in 10 years ago. >> Exactly. You might I don't know what you. listen to, >> Sabrina. So, Chime and I like Chime. I mean, they're the high yield savings account. that we market and I'm okay again with. like pay advance stuff. There are way to. finesse it. You and people on the show. do not. And it is anti-U now. Hopefully. you're not even using that. Uh you. didn't. Okay, good.

>> I've used it once. You're talking about. like borrowing from like my. >> Yeah, you just get Well, you get your. check early, but yeah, essentially. >> Yeah, I've done it. Um. >> Well, okay. So, nothing really happened. in this account. Okay, now Experian. Goodyear tire. >> Yes, I have a Goodyear card. >> Well, I wish we could have gotten a. statement for that, but no. Okay, >> I sent a screenshot. >> of your experience. No, >> of the Goodyear card.

>> Okay. Well, I don't know. It's 100 or. it's $1,125. with a It's already 25 over the limit. somehow. Great. Um, but uh what's your. minimum payment? 40. Great. Wonderful. What's the interest rate? >> Did you struggle to breathe? >> No, I don't know my interest rate. >> Okay. What's your minimum payment on. that? Boo Boo or. >> Boo Boo. Uh I think like 11 or 12. >> Yeah, I forgot the right thing. Okay, best egg. It's not new egg. I don't know.

what best egg is. What's best egg? >> That's a personal alone. >> Good. For what? Oh no. Yes, it totally. is. $3,382.50. What? For what? >> Uh that was also for the supernatural. convention. >> Oh, what? This is $3,382. The loan was for 5,000. It did it didn't. all go towards. >> How much did. >> like a,000? >> Oh, where'd the rest of it go?

>> Towards trying to pay my debt. >> Oh, and that clearly worked so well. And. then the credit limit. If you do not. change your behavior before you. consolidate your debt, you will end up. with double the debt. I've learned that. >> cuz they rake it right the back up. Here. the up again. And this is another prime. example. >> I've learned that the hard way. >> Wait. Oh, for sake. What did you do. yesterday with this loan or the the day. before you had a phone call? What did. you do? What did you do? Tell them right. now. Tell the audience right now.

>> I had to ask for an extension. >> No, because when I got in my car. >> when I got in my car accident in August, I was out of work for a few days. >> This was told to Colton in the green. room right before filming this. Well, yeah, because I just asked for the. extension yesterday because my payment. was about to come up like literally. tomorrow. >> But I'm glad we're getting Door Dash. within the last month. I'm glad we're. getting CL of La Boooo within this last. month. Now we have to call and get our. loan extended. Well done. Maturity at. its prime. Great. What is the interest.

rate on this thing? Huh? >> I don't know. >> Great. Well, neither do I cuz it's not. on here. How do you not know anything? >> I can look it up if you want. >> No, I'm going to calculate it. >> Okay. I asked for like. asked. >> what. >> I asked for a month extension and. >> and they gave me two. >> So now I don't have a payment till. November. >> It's a 28% interest rate. 29.

Oh, we went to a Pokemon convention, too. Wonderful. >> Yeah. Well, a couple years. No, last. year. >> All right. this. Oh, she has a payday. loan. >> That's not a payday loan. >> It says payday loan. >> No, that's pay. >> Oh, it says pay loan. Sorry, I'm going. from your existence in front of me. You're right. But the product is called. Grow Up. That would be nice. >> I have that's my Gerber life insurance. policy that my mom took out for me when. I was young. >> Okay. Well, that's.

>> and I took a loan out from that to try. to consolidate my debt. me. Oh, good death. Oh, you're you're. collecting infinity stones. This is. insane. And what did you use it for? >> To try to consult. I. >> What? >> No, I credit cards. >> No, affirm. >> Oh, yeah. And credit cards.

Cuz at one point I was having to pay a. firm like $100 per paycheck. I'm going to die. >> That's how many I had. Sh. >> Okay. >> Quiet. It's a silent moment. I need to focus on. how much this is insane and howing. much I don't want to be in this episode. anymore cuz how the do I even solve.

this? So, what is it? This is uh Gerver. >> It's a life insurance loan. >> Sh. Quiet. We're whispering. This isn't a silent. time. I'm. developing an aneurysm from your. numbers. What's your minimum monthly payment, lady? >> I don't have It's still quiet time. >> Yes. >> I don't have a minimum monthly payment. >> What the.

>> um I pay it when I can. >> $2,67.97. Is there interest? >> They probably wouldn't let you borrow. without interest. I don't think so. >> Why would they let you borrow without. interest? >> I don't know. >> Great. Is that whole life? Sometimes you. can do that. >> I don't think I don't think there's an. interest rate. >> I don't think it doesn't go up every. time. >> All right, we're done with quiet mode. That. >> Okay. >> Okay. Main financial. Is this the car? >> That was my old car that got paid off. >> My old. >> So, it's done. I don't We can Right.

Okay. I do have the information for my new car. loan. >> Well, we don't have it. >> No, cuz it I just got it on Monday. It's. a 2019 Nissan Rogue. >> Have we done the value check on that? >> Uh, let's take a look. Let's take a. look. Let's find a 2019 Nissan Rogue. How many miles? >> Uh, 80. When I got it, it was like 79, but I've put like 500, so like 80,000. >> 80,000 miles. 2019 Nissan Rogue. Condition pretty good. Mhm. Okay.

>> What do you want? What's the balance? >> So, the balance is like $18,000. >> Like 18,000. Okay. What's your minimum. monthly payment? >> 508. >> What's the interest? >> 17.6. >> What the are we doing here? Cuz your. credit's death and you had to get a. predatory loan if you were going to get. a loan on a car. >> My boyfriend. >> How it goes. Oh, and you got a co-signer. from your boyfriend, right? So, he is. actually the main like they put him as. the main person cuz his credit's a. little bit better and I'm the.

co-borrower, but the car is mine. >> Oh, no. You guys haven't even been. dating for a year. >> That's how serious he is about me. >> Oh, off. >> That's literally what he told me. >> Oh, he's Oh, what a joke. Yeah, he's. he's romancing you. Can you not tell the. difference? It's like, "Oh, you matter. so much." But yeah, he's he's doing love. words. >> He is not love bombing. >> I'm not saying love bombing. I'm not Tik. Tok where everything's everyone's a.

victim because they got flirted with. Okay. Okay. I said he's flirting with. you. He's love wording. He's. >> words of affirmation. There you go. >> Why is that a bad thing? >> Because you're conflating it with this. is a perfectly reliable situation that. there's going to be no wrong that we're. not going to break up. Everything's. perfect. Let's get debt together. >> We don't plan on breaking up. No wolf. Oh, yes. I I love the classic going into. a relationship with a plan to break up. >> Some people date to just date. >> Yeah, but that's not a relationship.

That's just dating. >> Yeah. Um. >> Oh, lady, have you been have you ever. existed in this world before? I'm. concerned that not. >> barely. >> Yeah, cuz you just watched Supernatural. on repeat. $339. Zelen money. And you're taking it out. selling money out. Taco Bell getting. monsters. Getting monsters. McDonald's. McDonald's. I'm going to die. I'm going. to die. Your car is worth $16,000. By. the way,

>> that's Yeah, that's what they asked for. it. >> And then that's taxes and everything on. top of that. Little Caesar. Subway. Really. using Subway for all it's meant for. Taco Bell. McDonald's. Get a monster. CocaCola. Tik Tok shop. McDonald's. Oh. Oh. Oh. wow. We really do go to McDonald's every. day. When I said that earlier, I was. kind of making a fat joke, but turns out. stereotypes exist for a reason.

>> Getting a monster. Apple Pay out. Getting a monster. Getting a monster. Pizza Hut. Getting a monster. Apple. bill. McDonald's. Getting a monster. Going to the buffet. Getting a monster. McDonald's. >> I told you there wouldn't be any. >> closing balance. 600. There were in other ones on acrewing. credit cards. >> I said on that there wouldn't be any. >> justing credit cards. >> Okay. Like no money in our savings.

Wonderful. >> Oh, wait. >> So I have a savings account that's. specifically for my bills. >> Okay. So it's not a savings account. >> Um I mean it's labeled like a savings. account. It's not a checking account. >> But you're not keeping money in. >> No. Like the bill. >> Okay. Oh, zero is what I'm going to. consider then. >> Yeah, basically. >> wonderful. Great. There's Chime chicken account 171. getting Popeye's McDonald's.

Uh, that's pretty much it. Wow. Let's see if this is budgetable. Let's see if this is even budgetable. Genuinely curious. All right. So, debt. equals $26,99322. Very bad for your income situation. The. income is $1,900. Okay, let's add up these minimum monthly. payments. Credit One $41. Amazon $35.

Mer Bank $35. Capital Platinum $25. Venture One $25. Platinum number two. $25. Target card $30. Torid card $30. Zubble $25. Quicksilver $25. The first. affirm $40. Second Affirm $11. Goodyear $40. Personal loan $206.79. And then our new Nissan 508.

That brings our minimum monthly payments. to $1,11.79. Wonderful. Great. Now, what do you. provide to the utilities and internet. and all that stuff? How much money is. that? >> So, I give my boyfriend about $200 each. check. >> Check. Yeah. >> So, $400 a month. >> Yes. >> Okay. We're already up to $1,500, by the. way. 1,900 to live off of. Great. What's. your phone bill? Um, like 150.

>> Why? Because you owe on your phone. When. you're done, if T-Mobile's good in your. area, switch to Helium. >> I only pay $8 for my phone. Because of a. promotion, >> but so the whole service is 150. Okay, great. Well, switch once your phone is. paid off again. Switch to a lower paying. service. >> I do plan on it. >> That's how they get you. Oh, it's cheap. You know, my minimum payment for my. phone, but you're paying a ton for your. phone service. Okay. Vroom from drive. Drive. How much gas? Um. a month.

>> Yes. >> Like 40. >> Okay. Car insurance. >> 267. >> Uh we are now over budget officially, but you said you buy groceries for the. house. >> Mhm. >> So for three people? >> Yes. >> Well, you can contribute uh 800 to that. pile. Um uh that's insane. I would. rather split $700 rent by the way than. that cuz this math is no longer mathing.

Uh uh TP if you found anything else you. need to survive is 100 bucks. Medical. health care any co-pays? >> Um. they're usually 3530. >> Is that once a month? Like what? >> I don't go to the doctor often. >> Okay. So I don't put it in there then. Right. >> Well, I go to my I see a therapist once. How much? That's 35. >> Okay. 35. I dare to ask, but gym? >> No. >> Okay. Let's put in 50 bucks because you. need to go to the gym. >> What kind of gym membership is that. expensive?

>> Well, let's just let's just call it 50. just to be safe cuz I don't know. Planet. F might be cheaper. I don't know. >> Okay. >> Uh you said you have a pet, right? >> Yes. >> What? >> A cat. >> Age? >> He is like seven. >> Uh I don't know if you can get pet. insurance on that. Maybe I'll I I'll put. in 60 bucks cuz you need to make sure. you get good pet insurance. How much for. cat food? >> Um, maybe 20. >> Anything else that needs to be in your.

budget that I have not put in yet? I. can't put anything in subscriptions cuz. we're already over budget. So, >> um, >> okay, you can uh Brandon got his cat S7. uh pet insurance. So, anything else that. needs to be in your budget? >> No. >> Okay. Well, $22923.79. Here's the thing. Stop with this food. splitting thing. You can't do that. I. would contri see see if you can. contribute to rent, not the full. utilities. Let's see if we can. contribute rent and utilities down the. middle. I think you will save more money. instead of you doing food. You're. actually getting kind of milked here.

You're getting a little you're spending. more money than you would. So, let's say. that brings it down to like 2,500. You're still pretty You need about an. extra $600 a month. If you want to stay. in this job, that's great. You need to. go work a second job, which means no. more Supernatural every single night. You're working you need to bring in at. least an extra,000 so you can throw $400. towards that. That's a minimum because. $400 towards debt at $26,99322. divided by that $400 is wait no. $26,99322.

divided by $400 is 67 months which comes. out to still 5 1/2 years but that's. better than nothing and you do got to. get out of debt. Unfortunately, with. five and a half years, that gives you. only, based on your history, seven more. years to live. And that's not even, by. the way, a fully funded emergency fund. Probably get five years to live with a. fully funed emergency fund. Not great. So, we got to change the health part as. well, but the meal prepping is going to. help with that. And I put it in a gym. That's going to help with that. Let's. start taking that seriously because I. want you to be around, okay? Okay. We.

got to film follow-ups together, right? So, let's let's stay let's stay on the. planet for a good long while. Um, so that's what you got to do. What I. would prefer is that you go and just get. a better job at a different place. And. then we always shop around until you. land somewhere that you like that you. are getting paid well for. That is the. ultimate goal. But you need to bring in. a minimum extra,000 where you are now. And you need to split rent utilities and. take care of your own food. Sprint. utilities is you split down the middle. That'll bring you down to about $2,500. cuz right now you need to bring an extra.

$1,500, $1,600 in order to have a chance to pay. this off in five and a half years. and. then fully fun emergency fund a year. after that maybe. Okay, so that's where. we are. Oh. Oh, they said I'm going to be pissed. Colton's saying I'm going to be pissed. I guess there's something in the post. show that's about to piss me the off. Great. Usually Okay, great. Let's get. your hammer financial score first and. then we'll go into the post show. All. right. Spending in a budget. You ever. spent zero out of 10 debt? Well, this is. as bad as you can get without. collections of IRS debt. So, one out of.

10. Emergency fund. Well, nothing. Zero. out of 10. retirement. >> I don't even know. >> 0 out of 10. Real estate 0 out of 10. It's going to be a hammer financial. score. Round it up to a 0.5 out of 10. Ladies and gentlemen, click that join. button next to our channel name and join. Hammer Elite to get three premium shows. posted every single day, Monday through. Friday, where you can also come watch. this financial a show of which. apparently I'm going to crash out. I. can't wait. So, apparently there's. something. Tell me, what is it? I just.

opened a third affirm. >> For what? What did you kids get? >> Tik Tok shop. >> What did you spend a Tik Tok shop? Cuz I. know there's a thousand dollars in the. cart right now. >> Well, I got this car. exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.